The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$29,880
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,809
−HK$944/mo
Today · 4.125%
HK$31,753
baseline
▲ 0.50% · 4.625%
HK$33,685
+HK$1,932/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,506/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,241
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,132
−HK$905/mo
Today · 4.125%
HK$35,037
baseline
▲ 0.50% · 4.625%
HK$36,883
+HK$1,846/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,074/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,855
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,971
−HK$1,133/mo
Today · 4.125%
HK$38,104
baseline
▲ 0.50% · 4.625%
HK$40,422
+HK$2,318/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,208/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,889
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,959
−HK$1,085/mo
Today · 4.125%
HK$42,044
baseline
▲ 0.50% · 4.625%
HK$44,260
+HK$2,216/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,088/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,831
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,133
−HK$1,322/mo
Today · 4.125%
HK$44,455
baseline
▲ 0.50% · 4.625%
HK$47,160
+HK$2,705/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,910/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,537
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,785
−HK$1,266/mo
Today · 4.125%
HK$49,051
baseline
▲ 0.50% · 4.625%
HK$51,637
+HK$2,586/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,102/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,783
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,456
−HK$1,700/mo
Today · 4.125%
HK$57,156
baseline
▲ 0.50% · 4.625%
HK$60,634
+HK$3,478/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,312/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,833
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,438
−HK$1,628/mo
Today · 4.125%
HK$63,066
baseline
▲ 0.50% · 4.625%
HK$66,390
+HK$3,324/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,132/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,385 · Scale 2, in force from 26 Feb 2026)